Alaya Linton

Linton is a freelance writer, speaker, financial coach, and creator of the award-winning blog, hopeandcents.com. Her own journey of overcoming financial struggles gave her a passion for teaching and encouraging others to take control of their money. Alaya’s writing and personal story have been featured in multiple publications including U.S. News & World Report, LendingTree, The Balance, and AOL Finance.

Articles by Alaya Linton

Fair Credit Reporting Act: Understand Your Rights

The Fair Credit Reporting Act (FCRA) is a federal law put into place in 1970 and amended extensively in 1996, 2003 and 2018. It outlines... read more

What Is an FHA 203(b) Loan and What Are the Requirements?

An FHA 203(b) loan is a mortgage through a lender that’s insured by the Federal Housing Administration (FHA). Buyers can use the loan to refinance... read more

How to Read Your Monthly Mortgage Statement

A mortgage statement provides essential information about your loan. Most lenders send borrowers a monthly mortgage statement with the current loan balance, recent transactions, payment... read more

How to Get a Real Estate License: Key Requirements

Helping people buy and sell homes as a real estate agent can be a rewarding career but, first, you have to get a real estate... read more

What is a Land Contract and How Does It Work?

A land contract is a real estate transaction in which a buyer finances a property by making installment payments to the seller. The buyer gains... read more

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